Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

Why BT Cash Management Account Saver?

To help you do more with your super, we’ve partnered with BT – Westpac’s wealth expert and one of Australia’s leading investment specialists. BT has been helping Australians manage, grow and protect their money since 1969.

The BT Cash Management Account Saver (BT CMA Saver) is built on BT Panorama, the award-winning platform1 that helps you manage your SMSF’s cash and invest in term deposits in one convenient place.


SMSF bank account

Manage your SMSF’s cash and invest in term deposits in the one place with access to your BT CMA Saver from your desktop, tablet or mobile.

Easy transactions

Receive super contributions and rollovers, investment income, interest and dividends. Plus, pay for asset purchases, pensions, member benefits and expenses.

Combined reporting

Save time with the ability to combine the reporting of your cash and term deposits, including tax reports.

Accountant access

Give your accountant optional access to view your SMSF’s transactions and make tax time easier.

Manage your SMSF’s cash in one place

SMSF bank account

  • 0.05% p.a. variable interest rate
  • No minimum balance
  • No fees
  • Pay bills or receive income by BPAY® or electronic funds transfer

Term deposits

  • Open, manage and reinvest in term deposits online without paperwork
  • Access to a range of term deposits
  • Minimum investment of $5,000
  • Certainty of a fixed interest rate

Need more for your SMSF?

Open up your investment options with BT SMSF, giving you access to thousands of investments all in one place.

Find out more

Help to get started

Get your questions answered
Want tools and support to help you self-manage your super? The BT SMSF Concierge is here to help answer your SMSF questions and guide you through the next steps. Simply call 1800 622 910

Jargon-free SMSF lessons
Simple, jargon-free lessons on setting up an SMSF, investing and staying compliant with relevant laws. Download the free BT SMSF App now.


Things you should know

BT Cash Man­age­ment Ac­count Saver Tar­get Mar­ket De­ter­mi­na­tion

BT Cash Management Account and BT Cash Management Account Saver and related Payments Services Terms and Conditions

BT Cash Management Account Saver Fees and Charges Brochure and Interest Rate Schedule

Banking Code of Practice


1. BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017, 2018 and 2019. The awards recognise excellence in the superannuation industry and an independent committee selects the winners. Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in a BT Panorama Investments account. Awards and ratings are current at the time of publication but are subject to change.


®BPAY Registered to BPAY Pty Ltd ABN 69 079 137 518.

The information on this website has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at December 2021. The information provided is general in nature and does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness and read the disclosure documents before making any decision. All examples and images are for illustrative purposes only. Past performance is not a reliable indicator of future performance.


BTPS operates Panorama Investments. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account (BT CMA), BT Cash Management Account Saver (BT CMA Saver) and Westpac term deposits. These products are referred to as the Panorama products.


A Product Disclosure Statement (PDS) or other disclosure documents for the Panorama products can be obtained by contacting BT on 1800 622 910 or by visiting BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities, the BT CMA, or the BT CMA Saver acquired through the Panorama operating system, an investment acquired using the Panorama operating system is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments acquired through the Panorama operating system.


Conditions, fees and charges apply for BT CMA, BT CMA Saver and Westpac term deposits issued by Westpac. Westpac may change these or introduce new ones in the future. For BT CMA Saver and term deposits issued by Westpac you may be entitled to payment under the Australian Government’s Financial Claims Scheme in the event that Westpac becomes insolvent. Payments under the Financial Claims Scheme are subject to a limit for each depositor for eligible deposits held in Westpac. Information about the Financial Claims Scheme can be obtained from BT CMA, BT CMA Saver and Westpac term deposits are available only in Australia.